In this espisode David and Cindy discuss how to lower credit card interest, the ins ands outs of 401(k) loans and withdrawals and why you should try to avoid them. Also, regarding the toilet paper shortage, what was used to clean your butt in primitive times? In addition, going braless and commando are growing trends, but will you let your hair grow out? Lastly, who is that person that always kills the vibe in the text group chat?

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